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2018 Annual Report

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2018 Annual Report VACATIONLAND FEDERAL CREDIT UNION 2018 Annual Report Federally Insured by NCUA INSURED DEPOSITS CORPORATE HEADQUARTERS Member depository accounts are insured up to $750,000. The fi rst $250,000 VacationLand Federal Credit Union of insurance is provided by NCUA’s National Credit Union Share Insurance Fund. 2911 Hayes Avenue The remaining $500,000 is provided by private insurance from Excess Share Sandusky, Ohio 44870 Insurance Company, paid for by VacationLand Federal Credit Union. Telephone: 419.625.9025/800.691.9299 ANNUAL MEETING INDEPENDENT AUDITORS The Annual Meeting of the Credit Union’s owners will be held at 8:00 A.M. on Doeren Mayhew, CPAs and Advisors Wednesday, March 13, 2019 at our Corporate Headquarters, 2911 Hayes Avenue, 305 West Big Beaver Road Sandusky, Ohio. Troy, Michigan 48084 1 This is Your Credit Union VacationLand Federal Credit Union, (the Credit Union), was founded in 1956 by employees of the Sandusky, Ohio General Motors Plant. In 2001, the Credit Union expanded its fi eld of membership including anyone who lives, works, and worships, attends school or has a business or organization in Erie County, Ohio. In 2010, the Credit Union extended its membership into The Credit Union supports community employment Huron County, Ohio by merging with School Employees opportunities by funding local small businesses. Business loan Federal Credit Union (SEFCU) to include employees of products include equipment, auto, truck, lines of credit and the Boards of Education who work in Huron County and commercial real estate loans. employees of the Board of Education of EHOVE Joint Vocational School in Erie County. With $231 million in assets, VacationLand Federal Credit Union, headquartered in Sandusky, Ohio serves over 19,400 In 2017, the Credit Union expanded its membership through members, businesses and organizations at fi ve branch offi ces the merger with the Sandusky Ohio Edison Employees and 11 ATMs in the cities of Sandusky, Huron, Norwalk and Federal Credit Union. Membership eligibility extends to Vermilion. We serve our members at over 5,000 plus CO-OP employees of the Ohio Edison Company who work in Shared Branches and at over 32,000 MoneyPass and over Sandusky, Bellevue, Port Clinton or Norwalk, Ohio; spouses of 5,000 Alliance One surcharge-free ATM locations in the United persons who died while within the fi eld of membership of this States. Through 24-hour online banking, Remote Deposit credit union; retired persons, members of their immediate Capture and CU*Talk Telephone Account Access, we serve families; and organizations of such persons. members wherever they are. Today, VacationLand Federal Credit Union is a member- VacationLand Federal Credit Union is a member of owned, not-for-profi t fi nancial cooperative dedicated to Corporate One Federal Credit Union, National Credit Union being the lifetime fi nancial institution of its members, by Administration’s Central Liquidity Facility, Federal Reserve providing services at lower or no fees, or loans with lower Bank of Cleveland’s Discount Window and the Federal Home rates plus deposit products with higher dividend rates. Loan Bank of Cincinnati. VacationLand Federal Credit Union is an Equal Opportunity Employer and an Equal Housing Lender. VacationLand Federal Credit Union is a federally chartered credit union, regulated by the National Credit Union VacationLand Federal Credit Union received Low-income Administration (NCUA), an agency of the federal government. Designation through the NCUA, providing benefi ts to Credit unions are the only democratically controlled fi nancial VacationLand to help serve members who have challenges institution in the U. S. Members elect a volunteer board of accessing fi nancial products and services. Low-income directors to govern the credit union. In contrast, banks are designation benefi ts include: for-profi t entities, governed by a paid board of directors, with Accepting non-member deposits from any source all profi ts benefi ting the bank shareholders. A gateway to community development fi nancial institution The Credit Union off ers its members a full suite of fi nancial (CDFI) certifi cation products including mortgage, home equity, consumer, Opportunities to apply for grants and low-interest loans student and credit card loans and a wide array of savings, checking, money market and certifi cate deposit products. Corporate Profi le 2 How Your Credit Union Succeeds VacationLand Federal Credit Union is much more OUR VISION than a place for banking. We live and work in northern To be our members’ chosen Ohio, and we’re dedicated to helping our members and lifetime fi nancial partner and to improve our communities our communities prosper and thrive. Every member for future generations. of VLFCU is part of our family. We care about you and your well-being instead of the bottom line. OUR MISSION When you become a member, you become a shareholder Guided by our core values, of VacationLand Federal Credit Union. We’ll work for we exist as a not-for-profi t cooperative to serve and you as we work with you to manage your fi nances, surpass by providing value and fi nancial freedom. invest in a new home or business, or save for retirement. Working together, we can all succeed. About Your Credit Union 3 Many people may not know what makes VacationLand Federal Credit Union diff erent from other fi nancial institutions. Here are just a few ways that demonstrate our uniqueness: WE ARE MEMBER-OWNED WE ARE NOT-FOR-PROFIT As a member-owner, regardless how much you We are out to protect your wallet, not fi ll our save or borrow, you determine who serves on the own! We return profi ts to you, the members, in Board of Directors. You have one vote for each the form of lower loan rates, higher dividend open Board of Director seat. Also, as a member- rates, and low or no fees for services. owner, annual meetings are open to you. We encourage you to att end. WE ARE VOLUNTEER DRIVEN WE ARE A COOPERATIVE Each member of our Board of Directors is an unpaid volunteer you have elected to work in Cooperatives pool resources for the common your best interest. Directors serve on Asset/ good. In like fashion, depositors of VacationLand Liability Management, By-Laws, Policy, Facilities, Federal Credit Union pool funds to lend to Marketing and Nominating committ ees, assisting one another. Through our structure and management in making decisions on how operation, credit unions carry out the credit to improve member products, service and union philosophy of “people helping people.” operational effi ciencies. At VacationLand Federal Credit Union, you’re not just an account number—you’re a member helping other members. Put another way, VacationLand Federal Credit Union is diff erent. We are not a bank. We’re not a payday lender. We are a low cost fi nancial institution that you will want to be affi liated with for a lifetime. We appreciate the opportunity to serve you, and we value your membership. If you have experienced the VacationLand Federal Credit Union diff erence, please encourage your family and friends to discover the benefi ts of membership. 4 Governing Bodies ofBOARD Your OF DIRECTORS Credit Union The 2018 Board of Directors is comprised of seven volunteers, elected by you, the members, who are responsible for the governance, direction and control of the aff airs of VacationLand Federal Credit Union in accordance with National Credit Union Administration rules and regulations and sound business practices. The Board of Directors dedicates its time and talent to make VacationLand Federal Credit Union a premier credit union. It delegates the day-to-day activities through policies to Senior Management of the credit union. Directors serve for a term of three years with terms expiring at the end of each annual meeting. The Director positions expire as follows: three Director Positions expire in one year and two Director Positions in each of the succeeding two years. Monthly meetings are held by the Board of Directors to conduct the business of the credit union by reviewing its performance and policies. Once per year the Board of Directors also meets with Senior Management for a full day session to develop the three-year strategic plan. TERM EXPIRATION (COMMITTEE MEMBERSHIP) Top Row, Left to Right: Jude Hammond: Chairman – 2019 (Asset/Liability Management, By-Laws) Jan Sadoski: Vice Chairman – 2021 (Nominating, Policy) Marcia Renande: Secretary – 2020 (Asset/Liability Management, Marketing) Tracy Luc: Treasurer – 2021 (By-Laws, Nominating) Bottom Row, Left to Right: Joel Hassinger: Director – 2019 (Facilities) Christine Giardina: Director – 2020 (Asset/Liability Management) Elmer Lippert: Director – 2021 (Asset/Liability Management, Nominating) 5 Your Credit Union is Being Led By Example SUPERVISORY COMMITTEE WILLIAM STAUDER Chairman The Supervisory Committ ee consists of members appointed by the Board of Directors to serve one to three year terms. These volunteers are responsible for assuring the safety of the credit union’s assets and deposits, the soundness of management and compliance with various fi nancial and regulatory requirements. In fulfi lling these responsibilities, the Supervisory Committ ee recommends to the Board of Directors for ratifi cation the appointment of an independent audit fi rm to annually examine the fi nancial statements of the credit union. An audit of the 2018 fi nancial statements was conducted by Doeren Mayhew CPAs and Advisors. The audit report stated that VacationLand Federal Credit Union’s fi nancial statements present fairly, in all material aspects, our statements of fi nancial position, results of operations and cash fl ows. The audit report for 2018 will be available around March 13, 2019 and you may request a report from: Mitchell J. Fallis, CPA, CGMA, MBA, CCUIP Chief Financial Offi cer 2911 Hayes Avenue Sandusky, Ohio 44870 419.609.2718 The National Credit Union Association also conducts periodic examinations of the records, policies, practices and the application of NCUA regulations upon VacationLand Federal Credit Union.
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